Q6. An insurance company will cover losses incurred from tornadoes in a single calendar year. However, the insurer will only cover losses for a maximum of three separate tornadoe during this timeframe. Let \( X \) be the number of tornadoes that result in at least 50 millions in lossed, and let \( Y \) be the total number of tornadoes. The joint probability function for \( X \) and \( Y \) is
\[
p(x, y)=\left\{\begin{array}{ll}
c(x+2 y), & \text { for } x=0,1,2,3, y=0,1,2,3, x \leq y \\
0, & \text { otherwise },
\end{array}\right.
\]
where \( c \) is a constant.
Calculate the expected number of tornadoes that result in fewer than 50 million in losses.
